At Ifamax Wealth Management, our Certified Financial Planners are highly experienced and passionate about helping clients make confident decisions about their future, whether it’s retirement planning, pension transfers, inheritance planning, or tax-efficient investment strategies.
We follow a clear, six-stage process that ensures our advice is transparent, tailored, and focused entirely on your goals. Many advisers charge upfront for these steps. At Ifamax, the first three stages are completely free, giving you the confidence to explore your options with no obligation.
Stage 1: Discovery Meeting - FREE
Your financial plan starts with a 90-minute discovery meeting where we learn what matters most to you.
What are your values and long-term goals?
What’s your attitude to risk?
What are you hoping to achieve from financial planning?
In return, we’ll be open and honest about how we can help. With your consent, we’ll also contact your existing pension, investment, and product providers to gather details on charges, penalties, potential bonuses, and tax implications.
Stage 2: Diagnostics - FREE
We’ll analyse your current arrangements and compare them against the goals you’ve shared with us. We’ll consider:
Are you on track to achieve financial independence at your chosen age?
Are your pensions and investments structured tax-efficiently?
Can you provide financial support to children or grandchildren?
Do your current arrangements allow you to achieve your lifestyle goals, such as travelling or early retirement?
Some products may be suitable as they are, while others may need updating. Unlike many competitors, we do not charge for this detailed diagnostic stage.
Stage 3: Investment Plan Meeting - FREE
At this meeting, we’ll present our findings and suggest how your plan could be improved. We’ll explain:
Which existing arrangements remain appropriate
Where changes may be required to achieve your goals
The level of ongoing fees you can expect
The next steps in the process
This stage is about clarity and understanding, no immediate decisions are required, and you’ll have time to consider your options.
Stage 4: Mutual Commitment Meeting
If you decide to proceed, this meeting ensures you are completely comfortable before we begin. We’ll address any further questions and then implement your agreed investment and financial planning strategy.
Stage 5: 45-Day Follow-Up meeting
Around six weeks after implementation, we’ll meet again to confirm that everything is in place as expected. You’ll see your first valuation report, and if you’d like to track your portfolio online, we’ll show you how to access your account.
This is also your review window — if for any reason you feel our service isn’t right for you, you can step away without ongoing advice fees.
Stage 6: Regular Review Meeting
Financial planning is an ongoing journey. At your regular review meetings, we will:
Check for any changes in your circumstances or goals
Reassess your risk profile and portfolio
Identify tax-planning opportunities
Review valuations and performance
Recommend updates where needed
We’ll also handle practicalities, including secure document shredding, if required, so you can focus on your future with confidence.
Why Clients Value Our Process
Transparent and structured approach with no surprises
First three stages free (a clear differentiator vs many firms)
45-day review period for peace of mind
A long-term relationship with expert financial planners in Bristol
Focused on helping clients grow, protect, and pass on wealth